I confess I don't have a Microsoft account, and installed without one. I'm not sure how I did that, I guess I just passed on it. Every month or so it after a reboot it prompts me to "finish setting up my computer" and I just "remind me later".

I haven't touched the registry, so that's not in play.

OneDrive doesn't nag me.

As I said earlier this is all anecdotal, clearly your experience is different to mine. This post is just anecdotes, not data, and I'm not suggesting my experience is your experience.

I had to install a temporary windows 10 (not 11) install so that I can unlock the bootloader of a xiaomi phone and install a better rom. I managed to avoid the microsoft account use by not connecting to the internet before the setup was finished. It asked me like 2 or 3 times it looped 2 or 3 times in the select wifi / use MS account screens before giving up and sending me to the local account creation.

> Every month or so it after a reboot it prompts me to "finish setting up my computer" and I just "remind me later".

Why do you ask them to remind you? It sounds like you're already set up?